topic Re: Debt Validation Letter Success for Banfield Pet Hospital in Rebuilding Your Credit

Debt Validation Letter Success for Banfield Pet Hospital

shoppingsenior — Fri, 26 Oct 2012 09:27:52 GMT

DV letters work!! This is my first, but will not be my last. I emailed Banfield from the email address on their website (google it).

Here is their response:

Thank you for emailing Banfield Pet Hospital. After reviewing your account, we have determined that the amount that you have already paid into the plan is sufficient for the services rendered. Therefore, as a client service gesture, we are withdrawing the item from collections and the credit bureaus. A letter to that effect is attached as well as a copy of your signed Agreement for your reference. Please let us know if you have any further questions or concerns.

WOOHOO I am on Cloud 9 right now!!

Re: Debt Validation Letter Success for Banfield Pet Hospital

wa122805 — Fri, 26 Oct 2012 09:39:18 GMT

WOW !!

Re: Debt Validation Letter Success for Banfield Pet Hospital

Shogun — Fri, 26 Oct 2012 11:50:21 GMT

Boom! Gone! Congrats!

Re: Debt Validation Letter Success for Banfield Pet Hospital

madmann26 — Fri, 26 Oct 2012 12:34:55 GMT

Congrats!!! And you doubted us? LOL :)))

Re: Debt Validation Letter Success for Banfield Pet Hospital

Dexter80 — Mon, 29 Oct 2012 19:21:12 GMT

Been going round and round with IC Systems for a Banfield debt.

Sent DV. Validated.

Offered to pay % of it. Denied.

Tried again denied.

Tried to contact the OC via email, they responded within 24hrs, denying my %, no counter offer, just full amlount but with a payment option.

So, should I set up a payment option with the orginal OC even though ICSystems is reporting the collection on my EQ and follow up with a GW?

Or should I just wait it out til I have the funds to pay in full and then GW for deletion?

Re: Debt Validation Letter Success for Banfield Pet Hospital

Dexter80 — Sat, 03 Nov 2012 01:04:19 GMT

Thank you for contacting Banfield Pet Hospital regarding the Wellness Plan for your pet. Unfortunately, based on the services used out of the Wellness Plan package, we cannot accept a settlement of only $XXX.00. The $319.50 is the remaining balance due to pay off the Puppy Early Care Plus plan, enrolled on 11/12/09. You are welcome to make partial payments toward that balance, but the debt is valid, so we will be unable to withdraw it from your credit report. We have attached a copy of the Wellness Plan agreement to this email. You can contact our Client Financial Services team if you would like to discuss the account with a representative.

So MyFico'ers - what's my next move? Should I pay the OC directly and GW? Attempt to PTD again with the CA (IC Systems)?

Re: Debt Validation Letter Success for Banfield Pet Hospital

Shogun — Sat, 03 Nov 2012 01:48:04 GMT

Bump up the payment, maybe even a full payment. That might work. Ask if you if you were to pay in full if they would delete it.

Re: Debt Validation Letter Success for Banfield Pet Hospital

shoppingsenior — Sat, 03 Nov 2012 06:57:30 GMT

What % did you offer to pay? Maybe increase the offer, or do a PFD once you get the funds. Keep trying!

Re: Debt Validation Letter Success for Banfield Pet Hospital

Cadillac-XTS — Sat, 03 Nov 2012 14:48:29 GMT

Congrats

Re: Debt Validation Letter Success for Banfield Pet Hospital

Dexter80 — Sat, 03 Nov 2012 22:41:17 GMT

Going to pay in full. Just debating paying the OC directly the full amount and GW since there will be no amount due to IC Systems maybe it will delete?

Re: Debt Validation Letter Success for Banfield Pet Hospital

shoppingsenior — Sun, 04 Nov 2012 12:42:05 GMT

If you do a pay for delete, then you will not have to do the GW. I would do a PFD to Banfield first, and if they direct you to IC Systems, then you can send them one.

Best of luck and please keep us posted.

Re: Debt Validation Letter Success for Banfield Pet Hospital

Dexter80 — Tue, 06 Nov 2012 21:18:25 GMT

Spoke with Banfield in attempt to pay in full and delete the rep said they'd forward the paid status to the CA (IC Systems) to let them know I paid in full and IC Systems would report to the CRAs. Very nice customer service agent.

Spoke with IC Systems right after who told me I had to pay them directly, if I paid Banfield directly it would cause a greater delay to report to the credit agency this collection was paid. Not-so-friendly agent.

Debating who to pay OC or CA.

Re: Debt Validation Letter Success for Banfield Pet Hospital

Unoriginalnj — Wed, 28 Nov 2012 18:58:57 GMT

I'm in a similar situation with ic systems. I'm probably going to send a check to oc along with a letter covering the following:

Check is made out to you and is to be only deposited by your office.
Please inform ic systems that balance is paid.
If you cannot commit to these please return payment.
Once deposited I will contact ic systems and ask them to delete. If they do not I will then ask them with help from bbb and CFPB.

Re: Debt Validation Letter Success for Banfield Pet Hospital

Unoriginalnj — Wed, 28 Nov 2012 19:04:20 GMT

Further, my argument with the bbb and CFPB would be that I paid the oc - there's no need for ic systems to be on my reports because they have no interest in the collection anymore since the oc took payment.

Re: Debt Validation Letter Success for Banfield Pet Hospital

Shogun — Wed, 28 Nov 2012 19:10:54 GMT

Actually, if they at any point had authorization to collect the debt, then yes they do have a reason to show on your CR. It doesn't matter if you go back and pay the OC, it does not mean that they didn't have the authority to collect. While I do hope this works for you, I'm just saying they don't have to delete.

Re: Debt Validation Letter Success for Banfield Pet Hospital

Unoriginalnj — Wed, 28 Nov 2012 19:54:12 GMT

I'll still try and pay oc and then gw ic systems. It's ridiculous that they didn't do anything but show up on my reports and now I have to deal with them. If no luck with gw I'm absolutely taking it to CFPB and bbb.